Which type of insurance plan requires the designation of a primary care physician (PCP)?

Health Maintenance Organizations (HMOs) are structured to provide a wide range of healthcare services primarily through a network of providers. One of the key features of HMO plans is the requirement for members to select a primary care physician (PCP). The PCP plays a pivotal role in coordinating patient care, overseeing treatment, and providing referrals to specialists when necessary.

This model emphasizes preventive care and often results in lower out-of-pocket costs for members. By having a designated PCP, the HMO can manage resources more effectively, ensuring that patients receive appropriate care and that healthcare costs remain controlled. In contrast, other types of plans, like PPOs and EPOs, typically offer more flexibility in choosing providers without a requirement for a designated primary care physician. Similarly, POS plans also allow for referrals but often do not strictly mandate a PCP in the same way that HMOs do.